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    • Please take note: I got 2 tickets for 32  miles in a 30 zone on different days.  The police said its their policy to ticket anything over 30!!   I had to pay £100 for one and do the course as well.  Even as a disabled driver there was no give on the tickets. Please stop saying that it has to be 35+ it really does not. West Midlands police in Nuneaton so definitely dont go 1 mile over in that area.  
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    • Firstly I am disabled and have brain fog so can forget anything.  Today I went online to check when the MOT is due as just had to renew my car insurance and know it comes quickly after that. I was shocked to see my car was flagged as NOT TAXED.  I have had disability tax for years so dont even have to pay. After ringing DVLA I eventually found out papers had been sent to my old house which I left 3 years ago. With the stress of moving etc I never changed the car address but did change the address on my licence as that is correct.   Now I am worried I may have picked up a speeding ticket sometime in the 3 years and also maybe recently on a day trip to London (2 miles too fast coming out a tunnel). The old house is 150 miles away so cant pop in and no idea who lives there now. Thats how I got caught out with tax as they sent the paperwork there to renew. The lady renewed the tax easily on the computer for me which I was so grateful for and backdated it to 1 Feb. Can anyone tell me how I can find out if there are any tickets out there in my name that I know anything about please? I have had a really awful week with so many problems and this is now really making me feel sick so dont want to worry for months to catch up with me.   Thanks  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Secured Picture Loan who sold it to Webb who sold to Idem - Repossesion hearing


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hellow,jj69&sgianthebard:-)

could you please tell the exact name and address so that i can send a SAR. thanks

every little bit of information "hopefully helps"

cheers happyhamr:-)

 

Hi I have sent my SAR request to

 

Picture

PO BOX732

Newport

NP20 9FG

 

Keep your wits about you as they have got slightly arsey with me...I sent my £10 fee and they wrote back stating as it was in joint names I should send another £10...(they had no problem writing crappy arrears letter to us both and not individually in the past I note ) ..also asked for PPI to be taken off (about £7k) also got a nice letter to say you will get a rebate of £140 which will be taken off the balance oh and you will only be better off by 71p per month...must get me one of those Picture calculators...still going ahead though useless [problematic]....:-o

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Hi Happyhamr

 

I sent mine to the same address that jj69 did. They didn't ask me for an extra tenner even though my loan is in joint names. But what I received from them was not the full data. They sent me a disk with scanned letters, a scanned agreement and some other inter-departmental memos. I had a quick look at it months ago (wanted to see if they actually had a copy of the loan agreement) but I still haven't had a thorough check thru to see what charges have been imposed or to see if the balance on the loan is what it actually should be. I'll get to that soon.

 

They've changed over to Webb now, but the address for SAR should be the same.

 

Let us know how you get on as it'll beinteresting to see how Webb deal with SARs and other requests

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Hi Happyhamr

 

I sent mine to the same address that jj69 did. They didn't ask me for an extra tenner even though my loan is in joint names. But what I received from them was not the full data. They sent me a disk with scanned letters, a scanned agreement and some other inter-departmental memos. I had a quick look at it months ago (wanted to see if they actually had a copy of the loan agreement) but I still haven't had a thorough check thru to see what charges have been imposed or to see if the balance on the loan is what it actually should be. I'll get to that soon.

 

They've changed over to Webb now, but the address for SAR should be the same.

 

Let us know how you get on as it'll beinteresting to see how Webb deal with SARs and other requests

 

 

It will be interesing indeed...took our loan in 2006 Im guessing that they wont have relevant paperwork the nearest thing will be nothing short of toilet paper...I belive that the charges can be claimed back, wont go much joy of Picture I believe they could'nt give a toss...as for Webb lets see how they cope with the SAR/CCA requests either try to scare off potential claimants or pass on the loan book pronto...

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Hi Happyhamr

 

I sent mine to the same address that jj69 did. They didn't ask me for an extra tenner even though my loan is in joint names. But what I received from them was not the full data. They sent me a disk with scanned letters, a scanned agreement and some other inter-departmental memos. I had a quick look at it months ago (wanted to see if they actually had a copy of the loan agreement) but I still haven't had a thorough check thru to see what charges have been imposed or to see if the balance on the loan is what it actually should be. I'll get to that soon.

 

They've changed over to Webb now, but the address for SAR should be the same.

 

Let us know how you get on as it'll beinteresting to see how Webb deal with SARs and other requests

 

I agree on the balance issue..been paying three years and next to nothing paid off , they spout some crap about paying off all interest first etc...but Im sure this is illegal somehow..

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  • 2 weeks later...

We are in the same boat with the Picture/Webb transfer. Cancelled the DD a few days ago as going to struggle to make full payment this month. Anyone pay them other than by DD? They have got very upset about it and written saying it's a requirement of the loan - how can they enforce a DD? In future I want to pay them by bank transfer so I can control what I send when, at least that way we can actually live! They wouldn't get their money back if they repossessed as our house value has dropped - surprise!

 

I am going to cancel PPI and put in a claim with FSCS too so any info on that or anything to do with these rogues would be good.

Thanks :wink:

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I can't see how they can demand direct debit. As long as you pay them that should be good enough ?

What sort of concerns me though are the interest rates.

They are at an all time low, but no reductions were ever passed on by Picture or the subsequent owners of the loan.

So the interest rate is still close to 9% on the secured loan.

When the interest rates start to rise, I have no doubt they will pass on every increase though.

I am not sure if that could be challenged under Unfair terms of contract, or similar. If a rate is flexible you would assume it is flexible in both directions not just upwards ?

Has anybody similar concerns ?

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I can't see how they can demand direct debit. As long as you pay them that should be good enough ?

What sort of concerns me though are the interest rates.

They are at an all time low, but no reductions were ever passed on by Picture or the subsequent owners of the loan.

So the interest rate is still close to 9% on the secured loan.

When the interest rates start to rise, I have no doubt they will pass on every increase though.

I am not sure if that could be challenged under Unfair terms of contract, or similar. If a rate is flexible you would assume it is flexible in both directions not just upwards ?

Has anybody similar concerns ?

 

 

Exactly the same concerns not sure on these flexible rates for secured loans, have seen various posts on here but not sure what the current situation is..I assuming they will have to have a vaild reason for increasing after all it's not even the original creditor who has this account now..may be more in the terms and conditions but in my case they goes back to 2006 :sad:

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Yes, we have had this loan since 2005, still settlement figure shows hardly any capital paid off, almost owe as much as when took out loan.

Still in those 6 years they (the various owners of this loan) have passed maybe once or twice a 0.25 % decrease on but ALWAYS each and every increase in line with the BoE.

Since the interest rates have plummeted NO decrease was passed on.

But we all know the rates will start to go up eventually, probably sooner rather than later.

If Webb passes on every increase until the base rate has reached 'normality' around 4-5% I could be looking at

an interest rate of 13 or 14% on this loan and that certainly concerns me.

I don't think Webb is regulated so not sure if there is any institution one could complain to.

Or any way that could be challenged

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They make think they can increase the rate as they please but tbh i believe it will be down to the idividual regarding these bunch of muppets in other words if you argue the toss and threaten action with FOS etc they may be inclined to leave your rate alone if you except it they will just send out the usual ' your rate is increasing letter ' .

My rate has not changed in years thinking about it...perhaps a search through the web on secured loans and interest rates are in order, im sure there must be consumer protection against unesscessary and unlawful rate rises..

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Webb have written back to me after I told them we won't pay by direct debit anymore and we need their payment info to pay by bank transfer. They have still sent no info to pay them except to say we can ring and pay by debit card - NO or send a cheque - NO as don't have a cheque book.

Told them in financial difficulties and need to make a payment arrangement - no response. Also told them to cancel PPI and they want to make us aware of the implications for this before they go ahead. I think we may know this! So now I have to write to them again repeating the same info!

Anyone know how I can get hold of the payment info for these jokers? We are also going to be reclaiming PPI which I haven't informed them.

Will this and an application for CCJ from the lovely Howard Cohen solicitors who won't accept the payment plan from the CCCS. I despair and wonder when the gov are going to take action in stopping some of the ridiculous practices that are being allowed to continue :-x

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I have a secured Loan with Picture but havent had any letters saying it has been passed ot Webb or anyone else. Anybody know why only some of them have been passed over?

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  • 1 month later...

Posting to subscribe to the thread.

 

The repossession stuff is interesting, I was three months in arrears and they were threatening court action and cos of it we were on the verge of thinking of going bankrupt (the house is currently in negative equity anyway) maybe I should have contacted my mortgage provider then and might of had less of a worry if they had had said no way they would allow possession.

 

Currently less than a month arrears and they dont seem to be being too arsey, I am as well worried when interest rates go up that the loan will go up as well.

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Posting to subscribe to the thread.

 

The repossession stuff is interesting, I was three months in arrears and they were threatening court action and cos of it we were on the verge of thinking of going bankrupt (the house is currently in negative equity anyway) maybe I should have contacted my mortgage provider then and might of had less of a worry if they had had said no way they would allow possession.

 

Currently less than a month arrears and they dont seem to be being too arsey, I am as well worried when interest rates go up that the loan will go up as well.

 

At one point 2-3 months arrears but they just sent me to their specialist arrears/debt dept call it what you will and sent up a payment plan..

I suppose it depends on the outstanding amount to them mine is currently around 25k.

I had arrears with Halifax which all got sorted but ended in a suspended order because they were happy to excepy my future payments , the Halifax advisor I spoke to said as they had a vested interest and were the first charge they would not allow Picture to take any action..and tbh Picture never have..although I need to sort out a SAR request and see what they have really been doing

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Well Im stuck well and truly in the same boat as the rest of yourselves. We have just gone on to one wage with the birth of my son and child care rates costing a arm and leg wife has stopped working to look after junior. My issue with Webb Resolutions is that I am looking at selling my house and moving in with family, I understand you have to tell picture /webb what you intend to do and they can screw you by legally challenging the house sale. I have a 25k secured loan on the house from picture now webb, My questions to anyone out there is a) Do you have to tell them your selling after all I intend to carry on paying back the loan and B) As they are not registered by FSA can they legally challenge the sale ? after all I am not planning on defaulting in fact trying to save myself by selling?

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Well Im stuck well and truly in the same boat as the rest of yourselves. We have just gone on to one wage with the birth of my son and child care rates costing a arm and leg wife has stopped working to look after junior. My issue with Webb Resolutions is that I am looking at selling my house and moving in with family, I understand you have to tell picture /webb what you intend to do and they can screw you by legally challenging the house sale. I have a 25k secured loan on the house from picture now webb, My questions to anyone out there is a) Do you have to tell them your selling after all I intend to carry on paying back the loan and B) As they are not registered by FSA can they legally challenge the sale ? after all I am not planning on defaulting in fact trying to save myself by selling?

 

If the loan is secured on the property it doesn't matter one way or the other whether you tell them of your plans to sell. Once the property is sold, the first charge (if there is one) and the 2nd charge (ie the secured loan) will need to be discharged before any leftover monies are paid to you. You don't get a say in it - the money from the sale is kept by the solicitor, and the purchaser's solicitor will ensure all charges against the property are discharged prior to releasing the monies.

 

If there isn't sufficient money in the property to discharge any/all loans secured against it, then the outstanding amount becomes unsecured (unless you buy another property)...then, of course, you will be able to make an arrangement to continue to pay.

 

Congratulations on the birth of your son!

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  • 5 months later...
  • 2 months later...

Morning all..Just wondering if anybody is in a similar problem with Picture Finance PPI/Webb resolutions.In a nutshell have a secured loan still active originally from 2006 was with Picture but now passed on from Target to Webb Resolutions.Recieved a letter today saying PPI is now due to end in January so called them and asked for a rebate as had not claimed for five years, Webb said yes fine but checked account and said because I has been in arrears 19 times !! Yes 19 !! I did not qualify as terms state no more than two amounts of arrears.I know this is bull although I have had some missed payments/arrears it only totals about four or five and this was back in 2009/10 since them paid on time and account up to date..I have recieved compensation from the FSCS when Picture defaulted but thinking on it now have not claimed against Target or Webb for the PPI.This account was sold to Webb this year around March so never been in arrears with Webb....Webb said they would post out the terms and agreements of my loan but either way I am going to fight this decision surely Webb cannot deny my rebate based on defaults when this account was with another provider ?Any advice would be great...

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Hi

 

I may have misunderstood something here so forgive me if I have.

 

You say you have had compo on this loan from the FSCS? Was that a mis-selling claim then?

 

ims

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Hi

 

I may have misunderstood something here so forgive me if I have.

 

You say you have had compo on this loan from the FSCS? Was that a mis-selling claim then?

 

ims

 

Sorry just checked my paperwork and in fact it was compensation against Magic loans who initially setup the loan for Picture and therfore went into default.Confusing at the moment as I have a claim against First Plus/Karkus/Lloyds of London onging.I remember Picture setting up this loan in 2006 and paying off First Plus in the process, so almost 100% sure have not claimed for PPI on this current loan !

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Hi

 

I like a confusing one early in the day!

 

So Magic set up this Picture loan and whacked PPI on to it. You caried on as would normally be the case and made your repayments to Picture?

 

The FSCS paid you compensation for the PPI on this loan although it was linked to Magic and not Picture? So you got your PPI back via FSCS?

 

Am I getting this right?

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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Hi

 

I like a confusing one early in the day!

 

So Magic set up this Picture loan and whacked PPI on to it. You caried on as would normally be the case and made your repayments to Picture?

 

The FSCS paid you compensation for the PPI on this loan although it was linked to Magic and not Picture? So you got your PPI back via FSCS?

 

Am I getting this right?

 

ims

 

Lol...yes thats correct PPI paid via FSCS...but PPI was still on the loan and had not been cancelled until it's end in Jan 2012..How can Webb refuse the PPI non claim refund when in fact the defaults are not actually with themselves ??

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Hi

 

OK we're getting there I think..:-)

 

What was the amount of the PPI premium added to the loan and what was the amount you got back from the FSCS?

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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Hi

 

OK we're getting there I think..:-)

 

What was the amount of the PPI premium added to the loan and what was the amount you got back from the FSCS?

 

ims

 

That was £8000 in total !

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